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Best and worst travel insurance

Find out the best and worst travel insurance companies, how Which? rates travel insurance policies, and the top travel insurers for customer satisfaction.

In this article
How do I find the best travel insurance? Best and worst travel insurance companies
Who are the travel insurance Recommended Providers? How we calculate the scores

How do I find the best travel insurance?

Finding the right travel insurance is not always easy - as well as a policy that will protect you on holiday, you need an insurer you can count on should the worst happen.

Which? is here to help. We rigorously analyse the quality of European and Worldwide travel insurance policies from hundreds of insurers. We also gather feedback from thousands of real customers on how they rate their provider to help you find top quality cover with a great customer experience.

The very best insurers in our analysis are rewarded with our coveted Which? Recommended Provider status.

 

Best and worst travel insurance companies

This review reveals which travel insurers have the best annual and single-trip insurance policies, along with top customer satisfaction scores.

    To be a Which? Recommended Provider, an insurer must:

    • Be regulated by the Financial Conduct Authority.
    • Be available to the general public.
    • Have received 30 or more responses in our customer survey.
    • Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above.

    Provider undefined Single-trip
    policy score
    Annual-trip
    policy score
    Total
    score
    Logged out detail 83% 83% 83% 83%
    Logged out detail 76% 82% 82% 79%
    Logged out detail 75% 83% 83% 79%
    Logged out detail 77% 80% 80% 78%
    Logged out detail 79% 75% 75% 77%
    Logged out detail 76% 79% 79% 77%
    Logged out detail 73% 81% 81% 77%
    Logged out detail 71% 83% 83% 77%
    Logged out detail 77% 75% 75% 76%
    Logged out detail 74% 75% 75% 75%
    Logged out detail 74% 73% 73% 74%
    Logged out detail 77% 70% 70% 74%
    Logged out detail 74% 74% 74% 74%
    Logged out detail 73% 75% 75% 74%
    Logged out detail 77% 68% 68% 73%
    Logged out detail 79% 64% 64% 72%
    Logged out detail 73% 68% 68% 71%
    Logged out detail 76% 63% 63% 70%
    Logged out detail 70% 70% 70% 70%
    Logged out detail 75% 63% 63% 69%
    Logged out detail 72% 66% 66% 69%
    Logged out detail 72% 65% 65% 68%
    Logged out detail 69% 67% 67% 68%
    Logged out detail 70% 63% 63% 67%
    Logged out detail 73% 60% 60% 66%
    Logged out detail 70% 62% 62% 66%
    Logged out detail 72% 58% 58% 65%
    Logged out detail 73% 55% 55% 64%
    Logged out detail 71% 56% 56% 64%
    Logged out detail 78% 52% 52% 65%
    Logged out detail 71% 55% 55% 63%
    Logged out detail 67% 59% 59% 63%
    Logged out detail 66% 61% 61% 63%
    Logged out detail 71% 52% 52% 61%
    Logged out detail 72% 45% 45% 59%

     

     

    Customer score data is based on a survey of 4,471 respondents from the general public telling us about their travel insurance provider in March 2019.

    Sample breakdown: NFU Mutual (39), Tesco Bank (102), Boots (38), John Lewis (39), Just Travel Cover (40), M&S Bank (82),Post Office (132), NatWest (150), Age Co (39), Nationwide (382), HSBC (121), American Express (61),InsureandGo (210), LV (53), First Direct (40), Santander (68), Saga (198), Barclays (167), Thomas Cook (100), Lloyds (219), Co-op Insurance (47), Holidaysafe (52), Debenhams (49), Direct Line (149), Halifax (152), Virgin Money (90), Alpha Insurance (40), AXA (184), TSB (68), Aviva (200), Churchill (39), Admiral (50), Direct Travel (50), Staysure (164), Columbus Direct (43), Flexicover (61), RBS (81), All Clear (42), Bupa (39), AA (109).

    Policy scores are based on the provider's standard policy. Annual and Single-trip policy score is our assessment of the quality of standard policies from each of the providers, comparing 22 categories from each policy type to come out with each overall score.

    Providers must receive a minimum sample size of 30 respondents to generate a customer score and inclusion in the table.

    Total score is made up of 50% of the Customer score and 25% each of Annual and Single-trip policy scores.  

    Who are the travel insurance Recommended Providers?

    M&S Bank

    M&S Bank retains its place as a recommended provider with strong ratings from its customers, resulting in a 79% customer score.

    The high-street giant recorded high scores (8th out 40 insurers) for both annual and single-trip cover, based on its ‘Standard’ travel insurance policy.

    Find out more in our full review of M&S Bank Travel Insurance

    HSBC

    One of the biggest banks in the world, HSBC offers a comprehensive level of cover on its travel insurance policy.

    Around nine in 10 HSBC customers described the provider as good value for money, earning it a four-star rating in this category.

    Find out more in our full review of HSBC Travel Insurance

    LV=

    LV= was founded in 1843, and is currently the third largest insurer in the UK.

    Of the 40 providers we ranked on customer score, LV= was one of only two to offer £10,000 cover for cancellation, curtailment and travel abandonment.

    Find out more in our full review of LV= Travel Insurance

    First Direct

    First Direct was praised for its customer service, achieving a five-star rating in this category.

    Its customers also awarded it a five-star rating for value for money and affordable cover for pre-existing medical conditions.

    Find out more in our full review of First Direct Travel Insurance

    How we calculate the scores

    Customer scores

    The customer score is based on a survey of 4,471 general public respondents from March 2019. Each score is worked out using a combination of overall satisfaction and likelihood of recommending the provider.

    If two or more brands achieve the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included.

    Policy scores

    The policy score is our assessment of the quality of standard cover, comparing 22 elements of annual and single-trip travel insurance policies. Providers must receive a minimum sample size of 30 respondents to be included.

    Total score

    Total score is made up of 50% of the customer score, and 50% of the policy score.

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